Exclusive offer

Get up to $3,500 cash back on select CIBC mortgages^†

When you buy your first home or purchase a new home.

Request a call

Limited-time offer: Thinking about switching mortgages? Check out our offer. Learn more

How much cash back can I get?

Depending on how much you borrow, you could get up to $3,500 cash back on select CIBC mortgages.

Amount you borrow

Minimum amount: $100,000. Maximum amount: $1,000,000. Amount will round to the nearest $50,000.

Your cash back

Cash back slider. Minimum amount: $100,000. Maximum amount: $1,000,000. Amount will round to the nearest $50,000. Enter or move the slider to the value. Use left and right or down and up arrow keys to decrease or increase the value by $50,000; Page Up and Page down to decrease or increase the value by $50,000. Use home and end keys to reach the minimum and maximum values.

Your cash back

How to qualify for cash back

Apply for your mortgage by July 1, 2025.

Your mortgage loan must be funded within 120 days of your application.

Set up and make payments from a new or existing personal CIBC chequing account.

How to qualify for cash back

Talk to a mortgage advisor

Answer a few questions and we’ll be in touch within one business day.

Tell us a bit about yourself

All fields should be completed unless they are noted as optional.

Full name

Enter your name using alphanumeric characters.

Postal code

Enter your postal code in the format Z1Z 1Z1.

10-digit phone number

Enter your 10-digit phone number.

Best time to call

Email address Optional

Enter your email address in the format email@example.com.

Help us understand your goals

These questions will help our mortgage advisors prepare for your call.

What would you like to do?

Our featured rates

Available for new mortgages only

3-year fixed

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APR RDS%rate[5].FRCM.Published(3_null_null_Years_T,null,2,null)(#O2#)%^††

5-year variable

RDS%rate[5].5YRVARCLO.Published(5_null_null_Years_T,null,18,null)(#O2#)%

APR RDS%rate[5].5YRVARCLO.Published(5_null_null_Years_T,null,2,null)(#O2#)%^††

5-year fixed high ratio

RDS%rate[5].MICRO.Published(5_null_null_Years_T,null,18,null)(#O2#)%
APR RDS%rate[5].MICRO.Published(5_null_null_Years_T,null,2,null)(#O2#)%^††

Explore all mortgage rates

Explore our resources

How to switch to CIBC Opens in a new window.

We make it easy to move your mortgage with expert advice.

Mortgage affordability calculator Opens in a new window.

Use this tool to review your household income and expenses.

Mortgage payment calculator Opens in a new window.

Calculate how much your mortgage payments will be.

Find a mortgage advisor

We’ll connect you with a nearby advisor and help you get the mortgage advice you need.

Protect your mortgage with Creditor Insurance¹ and benefit from:

Ensure you and your family can stay in your home in case you can’t work due to a disability, involuntary job loss, critical illness, or in the event of your death.

Get on-the-spot approval and get immediate coverage if you can answer “No” to all the health questions and your CIBC mortgage is approved.

Your insurance premiums are added to your CIBC mortgage payment, so you don’t need to worry about making separate payments.

Protection

Instant coverage

Convenience

Ask us how to protect your mortgage.

Get cash back on your mortgage^†

Request a call

Mortgage Offer

^† Offer available for mortgage loans for first-time home buyers or mortgage loans for new purchase. Mortgage loans must be funded within 120 days of application date.

Mortgage loan must have a principal amount of $100,000 or more, and be either a CIBC Fixed-Rate Closed Mortgage loan with a term of 3 years or more, or a 5-year CIBC Variable Flex Mortgage loan. This offer is limited to owner-occupied residential properties only. Commercial/investment properties, and properties not owner-occupied are excluded. A personal CIBC chequing account is required to make pre-authorized mortgage payments. Qualifying clients will receive:

$3,500 on a mortgage loan amount of $1,000,000 or more;
$2,500 on a mortgage loan of $750,000 to $999,999
$2,000 on a mortgage loan of $500,000 to $749,999;
$1,000 on a mortgage loan of $300,000 to $499,999;
$500 on a mortgage loan of $100,000 to $299,999.

Cash back will be deposited in the personal CIBC chequing account 6 to 8 weeks after funding.

Cash back offer not available in combination with other mortgage offers. Other conditions and restrictions apply. Ask us for details. Offer ends September 2, 2025. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

If you have an eligible high ratio mortgage, you may also qualify for a special low rate. Talk to us to find out how.

If your down payment is less than 20% of the property value, your mortgage is high-ratio.

^†† Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less. Annual Percentage Rate (APR) is based on a new $275,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $300. Rates shown for the applicable term are CIBC’s special discounted rates and are not posted rates of CIBC. Offer may be changed, withdrawn or extended at any time, without notice.

APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

¹ Creditor Insurance for CIBC Mortgages is optional creditor’s group insurance underwritten by The Canada Life Assurance Company and administered by Canada Life and CIBC. For more information on Creditor Insurance on CIBC Mortgages, you may contact the The Canada Life Assurance Company at 1-800-387-4495 Opens your phone app. or by visiting Canada Life Opens in a new window.. This insurance is subject to eligibility conditions, limitations and exclusions (which are circumstances when benefits are limited or not paid) which may be viewed at cibc.com Opens in a new window. and are described in the Certificate(s) of Insurance you receive upon enrolment. This is a general description only. Products and their features may change at any time.

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Get up to $3,500 cash back on select CIBC mortgages†

How much cash back can I get?

Talk to a mortgage advisor

Tell us a bit about yourself

Help us understand your goals

Our featured rates

Explore our resources

How to switch to CIBC Opens in a new window.

Mortgage affordability calculator Opens in a new window.

Mortgage payment calculator Opens in a new window.

Find a mortgage advisor

Protect your mortgage with Creditor Insurance1 and benefit from:

Get up to $3,500 cash back on select CIBC mortgages^†

Protect your mortgage with Creditor Insurance¹ and benefit from: